Urgent Care Visit Cost With and Without Insurance - Updated for 2025
Average Urgent Care Cost in 2025
The average cost for a walk-in urgent care clinic in the U.S. is about $280 without insurance in 2025, after adjusting for medical services inflation since 2021. With insurance, you should expect to pay $160–$330 before meeting your deductible and about $65–$185 co-pay (depending on your plan) after meeting the deductible.
Factors that drive these costs include:
- Duration of the visit
- Complexity of the visit
- Additional services (e.g., X-rays, lab tests)
How Much Is Urgent Care Without Insurance?
The cost of an average urgent care visit that includes a 20–30 minute consultation and multiple diagnostic tests (flu, strep, urine test) ranges from $150–$450 out of pocket in 2025. This reflects about an 8–10% increase over the 2021 range due to inflation in medical services.
- For more complex visits (imaging such as X-rays or ultrasounds), expect to pay 30–50% more.
- A sprain-related visit requiring an X-ray scan could cost up to $330–$500.
Average Urgent Care Cost by Location
Below is our inflation-adjusted analysis of 2.5 billion claims, reflecting 2025 costs.
| Metro Area | Avg Cost (2025) | Low | High |
|---|---|---|---|
| Large MSA Average | $280 | $150 | $450 |
| Boston, MA | $290 | $185 | $530 |
| Chicago, IL | $220 | $115 | $380 |
| Cleveland, OH | $155 | $90 | $250 |
| Dallas, TX | $365 | $150 | $610 |
| Houston, TX | $225 | $100 | $405 |
| Los Angeles, CA | $265 | $135 | $410 |
| Miami, FL | $565 | $140 | $890 |
| New York, NY | $410 | $290 | $610 |
| Salt Lake City, UT | $165 | $110 | $205 |
| San Francisco, CA | $280 | $155 | $455 |
| Seattle, WA | $215 | $115 | $360 |
| Washington, DC | $205 | $170 | $250 |
Average Urgent Care Cost by Popular Clinics
The table below reflects 2025 out-of-pocket costs (not just the “office visit” portion), assuming moderate complexity (e.g., a few diagnostic tests).
| Merchant Name | Avg Cost/Visit (2025) |
|---|---|
| CVS MINUTE CLINIC | $180–$320 |
| NEXTCARE URGENT CARE | $390 |
| MAXEM HEALTH URGENT CARE | $385 |
| COMMUNITY MED URGENT CARE | $335 |
| MD NOW | $330 |
| CAREWELL URGENT CARE | $295 |
| INSTANT URGENT CARE | $280 |
| ADVANCED URGENT CARE | $275 |
| MULTICARE URGENT CARE | $275 |
| MMG MEDSTAR PHYSICIANS | $275 |
| RELIANT URGENT CARE | $275 |
| AFC URGENT MEDICAL CARE | $270 |
| PATIENT FIRST URGENT CARE | $265 |
| PHYSICIANONE URGENT CARE | $260 |
| PROMPTMD | $260 |
| CARENOW URGENT CARE | $275 |
| BROOKLYN URGENT CARE | $255 |
| EXER URGENT CARE | $235 |
| ACCELERATED URGENT CARE | $225 |
| PEACHTREE IMMEDIATE CARE | $225 |
| AFC URGENT CARE | $220 |
| NORTH SHORE URGENT CARE | $220 |
| STAT MED URGENT CARE | $220 |
| STATMD | $220 |
How Much Does a Walk-In Clinic Cost With Insurance?
With insurance, you should expect to pay around $160–$330 before meeting your deductible, and $65–$185 co-pay after meeting your deductible.
Most insurance plans have a deductible—you must pay out of pocket until that deductible is met. After that, you typically pay either a co-pay or a coinsurance (a fixed percentage of the total cost).
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Brianne Smith, DNP, PhD, is a public health researcher with a focus on improving patient outcomes through evidence-based practices and clinical research. She holds dual doctorates in Nursing Practice and Healthcare Research, and specializes in advanced patient care management and educational advocacy.